Tips to survive enhanced maternity clawback period?

I am unable to resign within 6 months of my return to work after maternity leave or I have to pay back the full amount, after that I have 3 months notice. I have used some annual leave to get me through the first 6 weeks, and then hoping to use some more to keep me on 3 days a week until I can hand my notice in. Other than reducing my hours further after I’ve used up my annual leave is there any thing I’ve missed to make the months bearable? I absolutely hate it 😂 Thanks